Amnet Mortgage Inactive 10-Q2003 Q1 Quarterly report

Filed: 15 May 03, 12:00am

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Good

New words: absorb, Adapt, addressed, alleging, annum, ARB, ARM, assignee, branch, breach, case, characteristic, climate, Code, consulting, contractual, contractually, deceptive, declare, degradation, depressed, desired, dictated, domestic, driven, earlier, efficiency, efficiently, escrow, essential, explaining, explicitly, extended, factor, fail, fewer, FIN, fine, FMV, forma, formulating, frequent, frequently, FTC, fundamentally, governmental, grant, granted, grew, half, harm, harmed, heavily, highly, hourly, HUD, identical, improper, improperly, improve, Incentive, increasingly, instantly, interface, interfere, intermediate, Internet, INV, issuance, Justice, justified, Lastly, Lost, main, manner, master, mismatch, model, movement, necessitate, necessity, notified, occurrence, opt, pattern, peak, penetration, political, poorly, postponed, practice, predict, predominantly, preferred, prescribed, preserve, pro, processing, proficient, prominent, proprietary, quantification, Reform, reliance, removing, RESPA, respond, slower, slowly, Sorrento, speed, spring, step, stronger, suffer, symbol, TBA, thirteen, ticker, true, turmoil, twelve, understood, unfair, virtue, wiring, world, worthy, YSP

Removed: accelerate, accrued, acquired, amortized, arbitration, borrowed, cap, chart, Chicago, collected, commitment, consisting, constant, coupon, dealer, deterrent, disposed, distribute, diversifying, earning, equal, estimate, eventually, expensed, extremely, flattened, floor, goodwill, hiring, impacting, index, intangible, intensely, InterBank, investing, lag, lawsuit, lesser, located, London, Northern, October, Oregon, periodically, priced, proxy, pursuit, ranging, receivable, registration, render, REO, reorganized, replenishment, seasoning, securitization, seeking, serve, served, shown, Simultaneously, steadily, stream, striving, sufficiently, uncommitted, Unprofitable

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EXHIBIT 99.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Judith A. Berry, Chief Financial Officer of American Residential Investment Trust, Inc. (the “Registrant”), do hereby certify in accordance with 18 U.S.C. 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:

(1) the Quarterly Report on Form 10-Q of the Registrant, to which this certification is attached as an exhibit (the “Report”), fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 (15 U.S.C. 78m); and

(2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Registrant.

Dated: May 14, 2003		/s/ Judith A. Berry
		Judith A. Berry
		Chief Financial Officer

A signed original of this written statement required by Section 906 has been provided to American Residential Investment Trust, Inc. and will be retained by American Residential Investment Trust, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.